Chubb Ltd (CB)vsPalomar Holdings Inc (PLMR)
CB
Chubb Ltd
$323.21
+0.34%
FINANCIAL SERVICES · Cap: $126.41B
PLMR
Palomar Holdings Inc
$121.84
-0.13%
FINANCIAL SERVICES · Cap: $3.26B
Smart Verdict
WallStSmart Research — data-driven comparison
Chubb Ltd generates 6707% more annual revenue ($59.63B vs $875.97M). PLMR leads profitability with a 22.5% profit margin vs 17.3%. CB trades at a lower P/E of 12.6x. PLMR earns a higher WallStSmart Score of 72/100 (B).
CB
Strong Buy69
out of 100
Grade: B-
PLMR
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.1%
Fair Value
$1202.76
Current Price
$323.21
$879.55 discount
Margin of Safety
+60.8%
Fair Value
$336.02
Current Price
$121.84
$214.18 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 24.2%
Earnings expanding 27.9% YoY
Generating 4.8B in free cash flow
Revenue surging 62.7% year-over-year
Earnings expanding 59.9% YoY
Every $100 of equity generates 24 in profit
Keeps 23 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 28.7%
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : CB
The strongest argument for CB centers on Market Cap, P/E Ratio, Price/Book. Profitability is solid with margins at 17.3% and operating margin at 24.2%.
Bull Case : PLMR
The strongest argument for PLMR centers on Revenue Growth, EPS Growth, Return on Equity. Profitability is solid with margins at 22.5% and operating margin at 28.7%. Revenue growth of 62.7% demonstrates continued momentum.
Bear Case : CB
The primary concerns for CB are PEG Ratio.
Bear Case : PLMR
The primary concerns for PLMR are Piotroski F-Score.
Key Dynamics to Monitor
CB profiles as a mature stock while PLMR is a growth play — different risk/reward profiles.
PLMR carries more volatility with a beta of 0.53 — expect wider price swings.
PLMR is growing revenue faster at 62.7% — sustainability is the question.
CB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
PLMR scores higher overall (72/100 vs 69/100), backed by strong 22.5% margins and 62.7% revenue growth. CB offers better value entry with a 73.1% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Chubb Ltd
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Chubb Limited, incorporated in Zurich, Switzerland, is the parent company of Chubb, a global provider of insurance products covering property and casualty, accident and health, reinsurance, and life insurance and the largest publicly traded property and casualty company in the world.
Palomar Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Palomar Holdings, Inc., an insurance holding company, offers specialized property insurance to residential and commercial clients. The company is headquartered in La Jolla, California.
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